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Terms of Use – Payday Loans for Texas

Welcome to Payday Loans for Texas. By accessing or using our website and services, you agree to comply with and be bound by the following Terms of Use. These terms govern your use of our services, and if you do not agree with these terms, you should not use our website or services.

1. Use of Services

By using the services provided by Payday Loans for Texas, including applying for loans or accessing information, you agree to provide accurate, current, and complete information as required for the loan application process. You also agree to comply with all applicable laws and regulations when using our services.

2. Loan Eligibility

Our loan products are available only to individuals who meet certain eligibility criteria. These criteria may include factors such as age, income, and residence in the state of Texas. By applying for a loan, you affirm that you meet these eligibility requirements.

3. Privacy and Data Security

Payday Loans for Texas is committed to protecting your privacy. Please review our Privacy Policy for detailed information on how we collect, use, and protect your personal information. By using our services, you consent to the practices outlined in our Privacy Policy.

4. Loan Terms and Repayment

The terms and conditions of any loan provided by Payday Loans for Texas will be disclosed at the time of approval. These terms include the loan amount, interest rate, repayment schedule, and any associated fees. You agree to repay the loan according to these terms.

5. Restrictions on Use

You agree not to misuse or abuse our services, including but not limited to:

Using our services for fraudulent activities.
Attempting to interfere with the operation of our website or services.
Violating any applicable laws or regulations.

6. Disclaimers and Limitation of Liability

Payday Loans for Texas makes no representations or warranties about the accuracy, reliability, or completeness of the information provided through our website or services. We are not liable for any damages or losses arising from your use of our website or services, including but not limited to financial loss, data loss, or interruption of service.

7. Modifications to Terms

Payday Loans for Texas reserves the right to modify these Terms of Use at any time. Any changes will be posted on this page, and the updated version will become effective immediately upon posting. We encourage you to review these Terms regularly.

8. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any legal action or proceeding related to these terms will be brought exclusively in the courts located in Texas.

9. Contact Information

If you have any questions or concerns regarding these Terms of Use, please contact us at email info@pambaggettfortexas.com.

Material disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both.

Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

6401 Hwy 290 W, Austin, TX 78735

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